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Bank Branch Management

By: CorpTrain Ghana™ Ltd


14 - 15 Jul, 2014  2 day

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Overview of Credit Function

  • The main parameters of classifying bank credit
  • Various stages of the life cycle of bank credit
  • The essential features of each stage of the life cycle

Principles and Practice of Lending

  • The meaning of bank lending
  • The types of risks in bank lending
  • The main principles of bank lending
  • The due diligence of proposal
  • The risk analysis of applicant

Financial Analysis for Lending

  • The meaning of financial analysis
  • The types of financial analysis
  • The meaning of ratio analysis and different kinds of ratios
  • Each ratio and its implications
  • The meaning and mechanics of cash flow analysis

Securities for Lending

  • The importance of assignment as a mode of transfer of interest in securities;
  • The attributes and importance of guarantees
  • The importance, attributes, and classification of securities for bank credit
  • The main requirements of mortgage creation as a bank security
  • The attributes of different kinds of collateral
  • The main advantages and disadvantages of collateral

Credit Documentation and Sanctioning

  • The meaning and need for documentation
  • The contents of a loan document
  • The process of documentation
  • The classification of documents
  • The elements of execution and execution by different entities
  • The credit sanctioning process
  • The contents of loan policy and loan agreement 6. Credit Monitoring and Loan Recovery
  • Importance of follow up/monitoring of credit at the branch and other levels of the bank
  • Various tools and modalities of physical and financial follow-up of credit, especially at the branch level
  • Need and modality of annual review/renewal of credit
  • Personal liabilities of the guarantor and principal debtor

Asset Categorization

  • The norms for asset classification and income recognition
  • Meaning and classification of a non-performing assets (NPAs)
  • Basics of an NPA management
  • The principles and procedures of rescheduling loans and compromise settlements
  • The principles and procedure of write-off 8. Deposit Mobilization
  • Overview of the deposit function of a Bank Branch
  • Various Types of Deposits: Time Deposits and Demand Deposits – Advantages and Disadvantages
  • Strategies in mobilising Deposits
  • Branch Operations
  • Customer Accounts Opening, Maintenance and KYC
  • Liquidity Management and Vault Planning
  • Physical Security of Branch
  • Customer Relationship and Marketing of Financial Services

Bank Branch Manager Competencies and Behaviour  

Ghana Jul 14 - 15 Jul, 2014